For adviser use only.
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Where we refer to ‘we’ or ‘us’, we are referring to Timeline Platform, provided by Timeline Portfolios Ltd, which is authorised and regulated by the Financial Conduct Authority (number 840807).
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Where we refer to ‘you’, we are referring to the adviser.
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Timeline’s ISA Account Adviser Guide
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This guide is for information on opening and servicing of the Timeline ISA only. For information relating to the product specifics including aims, risks, commitments, and fees, please refer to the Timeline ISA Key Features document available on the Timeline website.
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How do I open a Timeline ISA for my client?
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A Timeline ISA can be opened via the client onboarding web journey. All deposits, Direct Debit instructions and transfers can be submitted via this journey.
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Who is eligible to open a Timeline ISA?
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Only an individual who is over 18 years of age and a UK resident for tax purposes can open an ISA.
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Do you accept Direct Debit instructions?
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Yes, a client can make Direct Debit payments into their Timeline ISA. This can be setup via the client onboarding journey.
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Please see the Direct Debit adviser guide for more information.
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Can I transfer my client’s existing ISA to Timeline?
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Yes, a client’s Stocks and Shares or Cash ISA product(s) can be transferred from another provider to Timeline. The client has the option to transfer their entire current year's ISA, a portion of or all of a previous year's ISA, or their entire ISA to Timeline, as long as the transfer adheres to ISA regulations and the current ISA Manager consents to the transfer.
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Though Timeline has no charge for transferring an ISA product in or out, for transfers in, the existing ISA manager may have charges associated with encashing or transferring the plan. Please enquire with the existing provider before instructing a transfer on your client’s behalf.
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Can my client make one-off payments into the Timeline ISA?
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Yes, the client can make a single deposit payment into their Timeline ISA.
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Please note, if the client makes a payment to us without the instruction having been submitted by the adviser first, our Platform Operations team will contact you to submit this prior to the payment being processed.
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Is the entire Timeline asset universe available within the Timeline ISA?
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Yes, all funds and stocks within Timeline’s asset universe are available within the ISA.
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For a full breakdown of asset and investment types available, please refer to the Timeline ISA Key Features document.
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How do I manage my client’s ISA?
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All servicing options are available via the Adviser Portal. For specific instructions on how to submit a particular instruction, please refer to the ‘How To’ section of the Adviser Portal.
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Is Bed and ISA available and how do I instruct this?
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Yes, for client’s who hold both a General Investment Account (GIA) and ISA, you can submit a ‘Bed and ISA’ process via the Adviser Portal. For guidance on this, please refer to the ‘How To’ section of the Adviser Portal.
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Please note, there may be some capital gains considerations when selling from assets held within a GIA to fund a client’s ISA.
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Can my client hold a model portfolio in their ISA?
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Yes, for advisers subscribed to Timeline’s DFM service, the full selection of Timeline portfolios are available to ISA clients. If you don’t currently use the DFM service, you can find more information on the Timeline website.
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Can I use a third party DFM/Model Portfolio in my client’s ISA?
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No, currently only Timeline portfolios are available.
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Can funds be withdrawn from my clients ISA?
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Yes, both ad hoc and regular withdrawals can be processed from a client’s ISA. For more information on how to instruct these, please refer to the ‘How To’ section in the Adviser Portal.
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Please note, withdrawal payments can only be made to a verified bank account in the name of the client.
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Can I setup adviser fees on a client’s ISA?
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Yes, please refer to the Adviser Fees guide for more information.
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What happens to my clients ISA in the event they die?
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In the event your client dies, please refer to the Deceased Clients guide.
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Do you support APS transfers?
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No, currently we do not support APS transfer instructions onto the platform.
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What happens if my client moves abroad?
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It is the responsibility of the client or yourself to notify us if they have moved abroad.
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Once the client has moved abroad, they will no longer to be able to access their ISA until such time as they return to the UK. On return, we will need to successfully verify them as being at a UK address with a UK bank account before a withdrawal can be processed or servicing can continue.
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Can my client transfer their ISA to another provider and are there any charges?
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Yes, your client can transfer their ISA account to another provider. We will action this on receipt of a valid instruction from the new provider.
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There are no charges for transferring a client’s ISA to another provider.